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The FDIC collects data from banks they insure. According to their latest report, bank deposits in large cities have grown 9.1%, the most in six years. In this video, David Hanson details why he thinks Citigroup stands to benefit the most from this trend. Citi has focused on 150 cities that it believes to be important to the nation's economy. It's trying to do more with less -- specifically, to do more banking operations with less office space. With this increase in deposits, Citi, with its emphasis on large metropolitan areas, can now deploy more capital from fewer branch offices, which should help improve earnings down the road.

Check out the video for more details.

Citigroup's stock looks tantalizingly cheap. Yet the bank's balance sheet is still in need of more repair, and there's a considerable amount of uncertainty after a shocking management shakeup. Should investors be treading carefully, or jumping on an opportunity to buy? To help figure out whether Citigroup deserves a spot on your watchlist, I invite you to read our premium research report on the bank today. We'll fill you in on both reasons to buy and reasons to sell Citigroup, and what areas that Citigroup investors need to watch going forward. Click here now for instant access to our best expert's take on Citigroup.